You may have heard about or recently spoken with us about our long term health insurance (Extended Plan) option, which can be considered as an extension to our expat health insurance. But you may be wondering what the differences are, and which one would be the best option for your situation?
Well firstly, we would suggest that our long term health insurance is a great option for those who may not be able to use expat anymore, and are not (yet) eligible for public health.
Now, let's break down some further differences between the two to give you an overview.
| Incoming Private Insurance (Expat) | Long-term health insurance |
Coverage overview | Basic cover New conditions only, no cover for pre-existing conditions or routine check ups without symptoms | Broader cover New conditions, some pre-existing conditions (if no treatment has been completed in the last 3 years) and routine check ups (after a waiting period) are included |
Ability to add dependents | ✅ | ✅ |
Length of policy | 5 years | Unlimited |
Visa requirements | Suitable for visas and visa renewals | Suitable for visas and visa renewals |
Salary minimum for eligibility | X | X |
Health screening for eligibility | X | X However there is a health screening for those aged between 65-70 years |
Cost | Set price based on age and policy, policies start from 72 EUR per month
Generally the cheapest option | Cost is based on age and whether a voluntary deductible is chosen. |
Travel cover | EU & Schengen zone, as well as 6 weeks in home country after 1 year on the policy | Two options: |
Option to switch to enroll in public in France | ✅ | ✅ |
Age limit for signup | Up to 75 years, and expires once you turn 75 | Up to 70 years Note: sign up is until age of 70, but if you signed up before this, you can continue the policy without any time limit. |
Sick pay | X | X |
Cancellation policy | Monthly | Monthly |